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The hardest part just got easier.
With 5% less down*, buying a new home is easier and more affordable. Save thousands upfront and keep more in your pocket. For example, on a $100,000 home, a required 10% ($10,000) down payment is reduced to 5% ($5,000).
You can afford it.
Save thousands with 5% less down*.
*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. See more details.
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*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.
*LIMITED TIME OFFER: 5% Down Payment Reduction (the “Reduction”). Vanderbilt Mortgage Portfolio loans only. Not available with FHA, USDA, VA, or GSE loans. Reduction available for applications submitted between January 2, 2026, through April 30, 2026, for loans on new manufactured or modular homes from a Clayton Family of Brands retailer. Minimum 600 credit score for home-only loans financing homes installed in communities. Otherwise, no minimum credit score. No maximum loan amount. For eligible loans, the required down payment percentage will be reduced by 5 percentage points. Reduction example: On a $100,000 purchase price with a 10% ($10,000) required down payment, the down payment requirement will be reduced to 5% ($5,000). Reduction only applies to loan programs requiring a minimum 10% down payment. For primary residences only, not a second home, “buy for,” or investment purchase. Reduction cannot be combined with any other offer and may not be available in all states. Vanderbilt reserves the right to cancel the Reduction at any time.
Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561. For licensing information, go to (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law license, Licensed by PA Dept. of Banking and Securities.
All information is believed accurate and is subject to change without notice. 12/1/2025.